Easy Access to Quality Health Insurance Options

Due to the approval of the Affordable Care Act, today is a new day for millions of Americans like you, who can benefit from access to quality, affordable health coverage through the Health Insurance Marketplace, and from new protections under the law.

Health Insurance Plans to Fit Your Needs and Budget

Your healthcare plan is important, and everyone has different needs, as well as varying financial situations. Red Alert Rates allows you to get multiple quotes from trusted carriers near you, empowering you to choose the best combination of price and coverage.

Choosing the right health insurance plan requires the right balance of cost and coverage, as well as considering factors that are most important to you. That’s why we help consumers research and shop at their own pace, providing the tools to evaluate their needs and understand the options best suited for them.

Compare Multiple Health Insurance Options and Save Big

Through your research, you'll find various plans that may fit your particular needs and budget, including:

• HMOs (Health Maintenance Organizations) - typically restricts you to doctors, other health care providers, or hospitals on the plan's list, and generally will not cover out-of-network care except in an emergency. The plan may require you live or work in a specific service area in order to be eligible for coverage.
• PPOs (Preferred Provider Organizations) - this type of plan contracts with medical providers, such as hospitals and doctors, to create a network of “participating providers.” Most often you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network, and pay more if you go outside the network.
• POS (Point of Service) Plans - participants pay less when they use doctors, hospitals, and other health care providers that belong to the plan's network.
• Short-Term Health Insurance Plans - typically much more affordable than Major Medical Insurance, short-term plans can be used to pay for services from any doctor or hospital, with no restrictions. These plans can be obtained any time of year and are not limited to the Enrollment Period, so you can apply anytime.

Your unique health and prescription medication requirements, monthly budget, and doctor/facility preferences will each play a role in determining which plan is best for you. It’s no secret – when shopping for anything, including health insurance, it is beneficial to shop around. When comparing multiple rates and options from different companies, it becomes a competition for your business!